Union Retirement Fund - Regular Plan - Growth
Solution Oriented
Solution Oriented Retirement
Fund House : Union Mutual Fund
-
-
- 1W
- 2W
- 1M
- 3M
- 6M
- 1Y
- SI
NAV (as on
2025-06-17)
15.42 -0.26%
Fund Size (Total
Assets)
-
Expense Ratio
(Regular)
2.38%
Expense Ratio
(Direct)
1.11%
SIP Returns
| Period Invested for | ₹1000 SIP Started on | Investments | Latest Value | Abs. Returns |
|---|---|---|---|---|
| One Week | 2025-06-10 | ₹1,000.00 | ₹992.28 |
-0.77 %
|
| Two Week | 2025-06-02 | ₹1,000.00 | ₹1,013.81 |
1.38 %
|
| One Month | 2025-05-19 | ₹1,000.00 | ₹1,014.47 |
1.45 %
|
| Three Months | 2025-03-19 | ₹3,000.00 | ₹3,165.26 |
5.51 %
|
| Six Months | 2024-12-19 | ₹6,000.00 | ₹6,330.75 |
5.51 %
|
| One Year | 2024-06-18 | ₹12,000.00 | ₹12,427.76 |
3.56 %
|
| Since Inception | 2022-09-22 | ₹34,000.00 | ₹42,481.22 |
24.94 %
|
Portfolio Summary
| Company Name | Sector | Sector Type | Nav(in %) |
|---|---|---|---|
| HDFC Bank Ltd. | Banks | Equity | 7.98 |
| ICICI Bank Ltd. | Banks | Equity | 6.73 |
| Reliance Industries Ltd. | Petroleum Products | Equity | 3.60 |
| Bharti Airtel Ltd. | Telecom - Services | Equity | 3.21 |
| Infosys Ltd. | IT - Software | Equity | 3.19 |
| Larsen & Toubro Ltd. | Construction | Equity | 2.78 |
| Tata Consumer Products Ltd. | Agricultural Food & other Products | Equity | 2.43 |
| Axis Bank Ltd. | Banks | Equity | 2.06 |
| Bharat Electronics Ltd. | Aerospace & Defense | Equity | 1.99 |
| State Bank of India | Banks | Equity | 1.91 |
| Solar Industries India Ltd. | Chemicals & Petrochemicals | Equity | 1.71 |
| JK Cement Ltd. | Cement & Cement Products | Equity | 1.60 |
| Tata Consultancy Services Ltd. | IT - Software | Equity | 1.56 |
| Eureka Forbes Ltd. | Consumer Durables | Equity | 1.53 |
| Muthoot Finance Ltd. | Finance | Equity | 1.46 |
| Ami Organics Ltd. | Pharmaceuticals & Biotechnology | Equity | 1.40 |
| Godrej Properties Ltd. | Realty | Equity | 1.35 |
| Info Edge (India) Ltd. | Retailing | Equity | 1.34 |
| Kfin Technologies Ltd. | Capital Markets | Equity | 1.28 |
| Power Grid Corporation of India Ltd. | Power | Equity | 1.28 |
| Max Healthcare Institute Ltd. | Healthcare Services | Equity | 1.22 |
| Karur Vysya Bank Ltd. | Banks | Equity | 1.20 |
| Jio Financial Services Ltd. | Finance | Equity | 1.19 |
| Lupin Ltd. | Pharmaceuticals & Biotechnology | Equity | 1.19 |
| 360 ONE WAM Ltd. | Capital Markets | Equity | 1.19 |
| Shriram Finance Ltd. | Finance | Equity | 1.17 |
| HCL Technologies Ltd. | IT - Software | Equity | 1.17 |
| GE Vernova T&D India Ltd. | Electrical Equipment | Equity | 1.13 |
| Maruti Suzuki India Ltd. | Automobiles | Equity | 1.10 |
| ITC Ltd. | Diversified FMCG | Equity | 1.09 |
| Eternal Ltd. | Retailing | Equity | 1.05 |
| Dixon Technologies (India) Ltd. | Consumer Durables | Equity | 1.05 |
| Home First Finance Company India Ltd. | Finance | Equity | 1.03 |
| S.J.S. Enterprises Ltd. | Auto Components | Equity | 1.02 |
| Amber Enterprises India Ltd. | Consumer Durables | Equity | 1.00 |
| Ultratech Cement Ltd. | Cement & Cement Products | Equity | 1.00 |
| Sun Pharmaceutical Industries Ltd. | Pharmaceuticals & Biotechnology | Equity | 1.00 |
| Mphasis Ltd. | IT - Software | Equity | 0.97 |
| ZF Commercial Vehicle Control Systems India Ltd. | Auto Components | Equity | 0.95 |
| Cholamandalam Investment & Finance Co. Ltd. | Finance | Equity | 0.95 |
| Torrent Pharmaceuticals Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.94 |
| TVS Motor Company Ltd. | Automobiles | Equity | 0.94 |
| UNO Minda Ltd. | Auto Components | Equity | 0.90 |
| Mahindra & Mahindra Ltd. | Automobiles | Equity | 0.88 |
| JSW Energy Ltd. | Power | Equity | 0.87 |
| Bajaj Finance Ltd. | Finance | Equity | 0.85 |
| Alivus Life Sciences Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.84 |
| CG Power and Industrial Solutions Ltd. | Electrical Equipment | Equity | 0.82 |
| Ajanta Pharma Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.81 |
| Pidilite Industries Ltd. | Chemicals & Petrochemicals | Equity | 0.81 |
| Gokaldas Exports Ltd. | Textiles & Apparels | Equity | 0.77 |
| Gujarat Industries Power Company Ltd. | Power | Equity | 0.76 |
| Trent Ltd. | Retailing | Equity | 0.74 |
| Kirloskar Oil Engines Ltd. | Industrial Products | Equity | 0.74 |
| Doms Industries Ltd. | Household Products | Equity | 0.73 |
| Elantas Beck India Ltd. | Chemicals & Petrochemicals | Equity | 0.72 |
| Computer Age Management Services Ltd. | Capital Markets | Equity | 0.71 |
| Blue Star Ltd. | Consumer Durables | Equity | 0.69 |
| Cummins India Ltd. | Industrial Products | Equity | 0.68 |
| Tata Steel Ltd. | Ferrous Metals | Equity | 0.68 |
| BSE Ltd. | Capital Markets | Equity | 0.67 |
| Tech Mahindra Ltd. | IT - Software | Equity | 0.65 |
| Hindalco Industries Ltd. | Non - Ferrous Metals | Equity | 0.64 |
| Cohance Lifesciences Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.63 |
| KSB Ltd. | Industrial Products | Equity | 0.63 |
| Max Financial Services Ltd. | Insurance | Equity | 0.63 |
| Navin Fluorine International Ltd. | Chemicals & Petrochemicals | Equity | 0.62 |
| Hindustan Petroleum Corporation Ltd. | Petroleum Products | Equity | 0.59 |
| Tube Investments of India Ltd. | Auto Components | Equity | 0.57 |
| Cera Sanitaryware Ltd. | Consumer Durables | Equity | 0.56 |
| KEI Industries Ltd. | Industrial Products | Equity | 0.54 |
| Godrej Consumer Products Ltd. | Personal Products | Equity | 0.53 |
| Azad Engineering Ltd. | Electrical Equipment | Equity | 0.53 |
| Cipla Ltd. | Pharmaceuticals & Biotechnology | Equity | 0.47 |
| Bluspring Enterprises Ltd. | Commercial Services & Supplies | Equity | 0.17 |
| Digitide Solutions Ltd. | IT - Services | Equity | 0.15 |
| ITC Hotels Ltd. | Leisure Services | Equity | 0.06 |
| 182 Day Treasury Bills | - | Debt | 0.09 |
| 364 Day Treasury Bills | - | Debt | 0.09 |
| TREPS | - | Debt | 3.31 |
| Net Receivable / Payable | - | - | -0.07 |
| GRAND TOTAL (AUM) | - | - | 100.00 |
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
- Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
- High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
- Low beta = Less sensitive to market changes → Great for investors with less market exposure.
- High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
- A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
- Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:
India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.
Lock-in times for various investment types
- Most ELSS mutual fund holders hold for 3 years.
- Tax savings FDs lock in for 5 years.
- The lock-in period for 8% Government of India bond investment is 6 years.
- ULIPs must be locked in for 5 years.
- The average hedge fund holding period is 30-90 days.
- The average PPF investor holds onto their money for 15 years.
Residual Maturity:
Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.
There are two different types of residual maturity.
- Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
- Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
- Fund manager(s) : Sanjay Bembalkar (Over 17 years), Hardick Bora (Over 16 years),
- Expense ration regular : 2.38
- Expense ration direct : 1.11
- Launch date : -
- Benchmark : -
- Min SIP amount : -
- Max SIP amount : -
- Min investment amount (one time- first time) : ₹100.00
- Type : solution_oriented
Exit load
Nil
FAQs
Is a Mutual Fund with a Lower NAV Better?
What Are the Charges in Mutual Fund Investments?
What Are the Tax Benefits of Mutual Funds?
Is It a Good Time to Invest in Mutual Funds?
What Is the Difference Between Dividend and Growth Plans?
Should I Invest in Infrastructure Funds?
What Are Sector-Specific Funds/Schemes?
What Happens If I Miss an SIP Payment?
How Can I Compare Different Mutual Funds?
Get In Touch
Interested in exploring more about JezzMoney Mutual Fund Distributors Software? Submit the form, and we will respond quickly.
Get Expert Advice on Investment in Mutual Funds!
- Certified mutual fund distributors around India will reach out to help you build your future.
- Connect with trusted mutual fund distributors and find them from your city and pincode area.
- JezzMoney is only the mediator to help you connect with these certified professionals.
- It is your obligation to gather accurate information when you receive contact from our platform.